The cash installment amount on CITIC Credit Card is the same as cash withdrawal and overdraft consumption. When handling the cash installment business, the cardholder also needs to repay the money on time, otherwise it will not only pay a higher penalty interest, but also affect personal credit.
after applying for credit card cash installment, the credit card's consumption quota will be reduced accordingly. For example, if a credit card has a quota of 2, yuan, if you apply for a cash installment of 1, yuan, the consumption quota will only be 1, yuan. After the cash installment of 1, yuan is completed, the consumption quota will be restored to 2, yuan.
Requirements for installment application of bank credit card bills:
1. Time for installment application of bills
(1) You can freely choose to installment transactions under RMB or USD accounts from the trading day to the repayment date.
(2) For transactions without bills, you can apply for installment from the date of the transaction to 19:3 on the billing date corresponding to the transaction.
(3) For the issued bill, you can apply for installment from the day after the billing date to the due repayment date (for customers with automatic repayment in their accounts, the application deadline is 17: on the due repayment date.
2. Conditions for applying for bill installment
Customers with cards, purchasing cards, ANA guarantee cards or supplementary cards are temporarily unable to apply for bill installment.
3. Application amount for bill installment
For RMB bill installment, the minimum application amount is not less than RMB 3 yuan each time; Apply for US dollar bills in installments, with a minimum application amount of not less than US$ 1 each time. After successful installment of RMB or USD bills, the principal of each installment and the handling fee of each installment are included in the RMB account, that is, the installment amount of USD bills is converted into RMB at the exchange rate specified at the time of application.
Extended information:
The credit card cash installment application process of CITIC Bank is divided into the following steps:
1. Fill in the authentication information.
2. Fill in the loan information and submit it online.
3. It was successfully handled and the bank lent money in real time.
4. I received cash.
Charge standard for credit card bills by installment:
1. ICBC will charge 1.65% in three installments; 3.6% in the sixth period; 5.4% in the ninth period; 12 periods of 7.2%; 18 periods, 11.7%; 24 periods, 15.6%; One-time collection procedure.
2. China Construction Bank is divided into three phases, and the monthly handling fee rate is .7%; .55% in Phase 6; The 12 th issue is also .55%; Charge a monthly fee.
3. The fixed fee rate of Agricultural Bank is .6%, and the monthly fee is collected.
4. China Bank is divided into three phases, 1.95%; 3.6% in the sixth period; 5.4% in the ninth period; 12 periods of 7.2%; 18 periods, 11.7%; 24 periods 15%; Charge a one-time handling fee.
5. .9% for China Merchants Bank in three phases; .75% in Phase 6; 12-phase .66%; Charge a one-time handling fee.
6. Bank of Communications is divided into three phases, six phases, 12 phases and 24 phases, all of which are .72%, and the monthly handling fee is charged.
7. China Everbright Bank pays .5% of the total installment amount for each installment, and charges a monthly handling fee.
8. Industrial Bank is divided into three phases, 2.4%; 3.9% in the sixth period; 12 periods of 7.8%; 18 periods, 11.7%; 24 periods, 15.6%; Charge a one-time handling fee.
9. Minsheng Bank is divided into three phases, and the monthly handling fee rate is .82%; .7% in Phase 6; .67% in Phase 9 and .67% in Phase 12; .67% in 18th period and .7% in 24th period; Monthly collection procedures.
1. China CITIC Bank is divided into three phases, with a monthly handling fee rate of .8%; .8% in Phase 6; .76% in the 9th period; .73% in the 12th period; .75% in the 18th period; .75% in 24 periods; A handling fee of ￥ 2, (including ￥ 2,) or less (installment amount) will be charged at one time, and ￥ 2,1 or more (installment amount) will be paid in installments according to the number of processing periods.
11. Ping An Bank is divided into two or three phases, and the monthly handling fee rate is .7%; .68% in 4~6 stages; .66% in 7-9 stages; .64% in 1~12 installments, with monthly handling fee.
Baidu Encyclopedia _ Credit Card Bill Installment CITIC Cash Installment How to use an electronic card with a quota of 16,?
The limit of 16, yuan in CITIC's cash installment electronic card is the limit for handling new express cash, and cannot be used for overdraft consumption or cash withdrawal. If users want to use the credit line, they need to apply to China CITIC Bank for the new express cash installment business. It should be noted that even if there is a quota application for new express, it needs to be reviewed. If it fails to pass the review, the quota cannot be used.
the new cash installment can only be used for consumption, not for production, operation, investment and wealth management. How to use the cash installment electronic card?
When a customer of CITIC Bank handles the cash installment business of a credit card (debit card) for the first time, it will automatically generate an electronic account, which is the cash installment electronic card. The cash installment electronic card can only be used after it is activated. Here are the specific usage methods:
The cash installment electronic card can only be used to repay all the money generated by the cash installment business, and it is not allowed to run consumption or withdraw cash in any way. Therefore, the correct use of the cash installment electronic card is to deposit money into the cash installment electronic card to repay the arrears of the cash installment business. How to use CITIC cash installment electronic card
1. CITIC Bank credit card cash installment electronic card is actually just an account specially provided for customers who have handled CITIC Bank credit card cash installment business. So this electronic card can't be used for credit card consumption.
2. This electronic card is mainly used for repayment. When customers use the credit line provided by cash installment business, they need to make repayment through this electronic card every month. This is also because the amount of cash installment business and your credit card are independent of each other, so you must also use a special cash installment electronic card to repay.
3. The electronic card of CITIC Bank's credit card cash installment is actually an account. CITIC Bank will specially generate an account for the customer after the customer handles the credit card cash installment business of CITIC Bank for the first time, and the customer can use it after activation.